Christopher Loh - BostonNOW.comHousing activists decided to make a stand yesterday outside the Dorchester home of Melonie Griffiths-Evans and her three children who were about to lose to a foreclosure eviction.But the gathered throng avoided confrontation after City Councilor Sam Yoon said he successfully negotiated a halt to the proceedings."It shouldn't take this much effort," Yoon said. "With the right amount of planning they can work it out."Griffiths-Evans said she, along with thousands like her around the nation, is a victim of predatory lending. In December 2004 she took a mortgage at a rate she couldn't afford with the representation it would be refinanced to a lower rate in two months. That didn't happen.After her rates increased even more, Griffiths-Evans fell behind on payments and the bank foreclosed in 2007.Yoon said he expects the bank to rework Griffiths-Evans' finance plan and that yesterday's events should alert others facing the same fate that there is help."These bankers need to know we're going to do the same thing at every property," Griffiths-Evans said. "For everybody who is down and out because they're being put out of their homes: we're going to take back our city, we're going to do what's right for the families and not what's right for the bankers."Steve Meacham of the housing rights group City Life/Vida Urbana said making a stand paid dividends."I think we've showed today that people will come out to do that and they're willing to do it again," said.